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We got banned from PayPal after 12 years of business

blog.niteo.co

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Re: We got banned from PayPal after 12 years of business

#131

Post by jeltz »

jpalomaki wrote: post #58

For me as a customer, having PayPal as payment option increases the propability of purchase. Especially with one-time purchases from small vendors. Reasons: No risk of credit card info misuse (by vendor), I only need username and password and I get certainly at least some kind of receipt for accounting.

For me as a consumer if Paypal is the only option you will probably have lost me as a customer. I hate navigating through their mess of an UI and I also hate how they do not respect that I want 3D Secure on all credit card transactions (but this is more the fault of my bank which should deny their transactions).

Re: We got banned from PayPal after 12 years of business

#132

Post by Double_a_92 »

blunte wrote: post #100
Nextgrid wrote: post #65

Earlier quoted context omitted.

I’m always surprised as to why people are concerned about card details misuse. You are not responsible for card-not-present fraud (without 3D Secure). You can dispute any fraudulent charge with your bank, and I’d bet good money the bank has actually better customer service in that regard compared to PayPal.

As a consumer, I like PayPal because it allows me to shut off a payment stream when I want to. A prime example was when I subscribed to NYTimes, and a few months later wanted to cancel. The only way to cancel was to make a phone call, navigate a phone tree, and wait for an agent. That was absurd, not only because I'm international and find it less convenient to call a US number... but particularly because I signed up…

Technically you could still owe them that money... Just because you don't pay it doesn't mean that the contract gracefully ends.

Re: We got banned from PayPal after 12 years of business

#133

Post by Crosseye_Jack »

brakmic wrote: post #101
jfk13 wrote: post #79

Earlier quoted context omitted.

It's far, far less widely accepted, though. Which makes it rather less useful if your primary use case for money is to buy things.

Add a "time" variable to the equation and then come back some _time_ later. Then we can compare how many have used it in 2009, 2019, and 2029.

I still need to pay for food and rent/mortgage between now and then though. No point in comparing BTC acceptability in 10 years time if I can’t support myself until that point in time.

Edit: For me converting BTC in funds I can use to buy food (not just for myself but also my kitty), pay my bills (rent, electricity, gas, water, internet, mobile, AWS) is a pain in the ass.

Sure there are online stores they will accept bitcoin, but not my local supermarket, sure some isp’s will accept butcoin but then I’m limiting my options of who I can use.

With PayPal (yes I hate them just as much as everyone else) I can get an invoice paid and have the funds in my bank account seconds later.

I like the idea of a decentralised Payment process. But atm it’s not for me for a number of reasons not just acceptability.

Re: We got banned from PayPal after 12 years of business

#134

Post by vntok »

jdironman wrote: post #115
dTal wrote: post #111

Earlier quoted context omitted.

Why do we call it "frozen"? It sounds more like "stolen" to me.

Right, if someone says alright, put your money in this box. But then they take the box and close it and say no, you can't open it, Sorry. What does that sound more like? Frozen, or stolen?

Frozen, as long as they don't take the money either.

Re: We got banned from PayPal after 12 years of business

#135

Post by Double_a_92 »

mcs_ wrote: post #99
NeedMoreTea wrote: post #80

Earlier quoted context omitted.

Which is exactly what banks do if they decide someone is on the terrorism blacklist, or you are "risky" - often on absurdly weak grounds. Mistaken identity or not, guilty or not, it seems to leave the customers with no options. Freezing funds only seems to happen with terrorism related closures, but it does happen, and the bank is judge, jury and executioner. One instance from search: https://www.theguardian.com/mone…

> Freezing funds only seems to happen with terrorism related closures Try add the word Bet next time in the transfer's detail...

Or Cuba

Re: We got banned from PayPal after 12 years of business

#136

Post by [deleted] »

dmurko wrote: post #84
metaprotocol wrote: post #78

Niteo produce a product to produce content farms and generate spam. PayPal has done the world a favour by banning them.

Founder here. We're not processing SaaS through PayPal, as mentioned in the post: > The most interesting thing is that we’ve moved away from PayPal in the last two years and have only been receiving some minor payments and paying for a few online services. We've stopped using PayPal for our SaaS business a few years ago.

[deleted]

Re: We got banned from PayPal after 12 years of business

#137

Post by linuxftw »

raverbashing wrote: post #63
exabrial wrote: post #32

The lack of customer service in the Silicon Valley is a pervasive problem. * Cody Don on YouTube teaches the masses about science and regularly gets banned. His videos are rated G to PG. Despite millions of viewers and dollars of Revenue, there is nobody he can call. * Uber charged $1500 to my debut card a few months ago. There's literally nobody you can call about it. * Lose your Instagram/Twitter/Gmail? Too bad, be…

> Uber charged $1500 to my debut card a few months ago. There's literally nobody you can call about it. Your bank. You call your bank.

Yeah, you don't call Uber in this case. You immediately call the card issuer and report fraud. In the case of debit charges, reacting quickly is absolutely key.

Always pay with a credit card, it's much easier to reverse this kind of stuff versus a debit card. There is literally no good reason to ever use a debit card.

Re: We got banned from PayPal after 12 years of business

#138

Post by jeltz »

oftenwrong wrote: post #15
chmod775 wrote: post #4

I've been preaching this since forever. Don't rely on PayPal. They're less professional than a kid selling juice next to the road. There are no grace periods with PayPal to give you time to move to another service. There is never more than a generic reason and stonewalling when they terminate you. And yes, their decision is always final. They'll happily terminate your only source of income on a friday afternoon, free…

What alternative would you recommend? Specifically, I am interested in a method of paying independent contractors.

Bank wire transfers? That is how contractors are typically paid. I have never heard of anyone paid any other way here in Europe, and as a contractor myself wire transfers is the only form of payment I can accept. I guess in North America checks would work too.

Re: We got banned from PayPal after 12 years of business

#139

Post by mprev »

gotland_ wrote: post #71

Don't know if it is the reason for the ban, but Niteos main product seems to be a service for creating spam networks. https://www.easyblognetworks.com , https://niteo.co/projects

Ooof, PBNs are literal spam. They're designed to game Google by producing a deluge of low quality content with backlinks on whatever search terms you're hoping to squat on.

I'm utterly sick of this kind of junk.

Re: We got banned from PayPal after 12 years of business

#140

Post by kibwen »

jpalomaki wrote: post #58

For me as a customer, having PayPal as payment option increases the propability of purchase. Especially with one-time purchases from small vendors. Reasons: No risk of credit card info misuse (by vendor), I only need username and password and I get certainly at least some kind of receipt for accounting.

Conversely, for me as a customer, if a vendor offers no option but PayPal then I refuse to do business there. Ethical considerations aside, I choose not to tie myself to yet another online service just to provide a layer of abstraction over the credit cards and bank accounts I already have.
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